paul, front end, are you satisfied with what happened in the front end? before i get to the back end, front end, november, where are you on this? >> they are way behind etch their own estimates. only 100,000 people signed up to this point. they estimated 800,000 people by the end of the month. their success rate, 80% of people can logon. that's a terrible rate. any online merchanter will tell you that 20% is a terrible failure rate. the administration is setting up its own deadlines and saying, we passed them. but a very poor situation -- >> did they get a grace period on this -- in other words, did they win something back -- i don't want to be so totally 100% critical even though i think it's ludicrous. but do they get a grace period on this? >> at the end of the day, it's what happens when you logon. if significant numbers of people are having problems, they've bought the media a grace period. >> this whole business about the 834 connection in the exchange, tell us about that. this is the back end. you can enroll on the front end. if there's no payment,